While some employers offer their employees a 401K plan, not all do. You may work for a company whose benefit package isn’t quite as attractive as others on the market. This may leave you as the person who is in charge of your retirement.

On the IRS Website, I found an article talking about the five important changes for the 2008 tax year. Many of these changes I was unaware of so let’s take a look and see which of these may be important to you as you complete your 2008 taxes but also plan ahead for 2009.